Sameness Index · 5 sites compared

Your page scores 60 out of 100 for sameness against the 4 competitors you named.

https://www.cec.ro/

01

Your verdict

60
Sameness · vs 4 named
How is this calculated?

Your page is mostly the same.

Most of what your page says, Raiffeisen Bank says too. You're less same than 10 of the 48 services sites scored (services avg 59).

No category benchmark matched this set.
Sameness Index on a 0 to 100 scale, from distinctive at 0 to interchangeable at 100. This page scores 60. ING Home'Bank scores 61. BCR scores 65. Raiffeisen Bank scores 63. Banca Transilvania scores 49. The services avg is 59.

Each named site is scored the same way, against the other 4 in this set, so its tick means the same as your marker. The dashed line is the frozen benchmark average.

  1. More same than average

    The average services site scores 59; you scored 60.

    You are 1 point more same than the average services site.

  2. Closest overlap: Raiffeisen Bank

    Of the 4 sites you named, Raiffeisen Bank echoes the most of what your page says: 73% of it, weighted by placement. Scored the same way you were, against the rest of the set, Raiffeisen Bank's own Sameness Index is 63. Those are different measures: the first is overlap with your page, the second is how same Raiffeisen Bank's whole page is.

    Raiffeisen Bank is the competitor you sound most like.

  3. Room to own more

    1% of your claim space is ownable: unique, relevant, and hard to copy. 1 of those claims sits in body copy, where few readers reach it.

    1% is ownable, and 1 buried opportunity could help you stand out more.

Do this first

Three changes worth testing first.

Chosen by rule from the comparison with ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania: the shared claim taking your most prominent space, then the claims only you make that sit too low on the page to be read. Each one links to its claim card.

  1. “cu o dobândă avantajoasă, pentru planurile tale de azi”

    ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania all say it too. Buyers may still need it, but shared ground cannot carry your hero — move it lower and give that space to something only you can say.

    Table stakes
    Most of the set says this too.
  2. “Poți vedea conturile de la alte bănci în aplicația Mobile Banking a CEC Bank și, în plus poți iniția și plăți”

    Nobody in the set says this. It sits in body copy, where few readers reach it — worth testing higher up the page; only buyers can tell you whether it lands.

    Surface
    Yours alone. Test it higher up.
  3. “Creditul de Nevoi Personale cu dobândă fixă îți oferă stabilitate și control”

    Keep the fact, lose the position: bCR, Raiffeisen Bank and Banca Transilvania say it too (75% of the set), and your hero is spending its first impression on the same territory as theirs.

    Table stakes
    Most of the set says this too.

Try these changes, then test them with real buyers.

This measures overlap. Whether buyers notice is a different question, and only they can answer it.

02

What you can own

Claims only you make, that buyers weigh, and that competitors can’t easily copy.

1% of your page’s claim space is yours to keep.

1%Yours to keep34%Unique but weak65%A competitor says it too
Why this is not 100 minus the Sameness Index

The index is a weighted composite across six categories, including page structure and visuals. This bar is measured on your claims alone, weighted by where each one sits on the page. Different denominators, so the two never add to 100 and are not meant to.

Already leading with · 0

Nothing owned sits at hero or section level yet.

Buried in body copy · 1

  1. View and pay from other banks' accounts in our app

    “Poți vedea conturile de la alte bănci în aplicația Mobile Banking a CEC Bank și, în plus poți iniția și plăți”

03

Where you blend in

Territory you spend prominent space on that the set also occupies. Not every line is one to delete — the question is whether it has earned the space, or whether something only you can say should be there instead.

  • Commodity · 100%Table stakesHero
    Low rates and cheap borrowing costs
    • “cu o dobândă avantajoasă, pentru planurile tale de azi”

    ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania all cover this territory. Buyers may need to hear it, but in your hero it spends the first impression on shared ground.

    They say
    • ING Home'Bank“Dobândă fixă: 5,29% - 15,29% până pe 30 septembrie”
    • BCR“Dobândă fixă la Creditul George de la 6,29% până la 14,99%”
    • Raiffeisen Bank“Dobândă de la 5,95% la creditul de nevoi personale”
    • Banca Transilvania“Dobândă dublă pentru economiile tale”
  • Commodity · 75%Table stakesHero
    Fast payments and transfers
    • “RoPay – plăți și incasări instant direct din cont, simplu și rapid, folosind telefonul mobil”

    Common ground with ING Home'Bank, Raiffeisen Bank and Banca Transilvania. Say it if buyers need it — lower on the page, where it is not the thing they read first.

    They say
    • ING Home'Bank“Plăteşte instant prin RoPay, cu 0 comisioane.”
    • Raiffeisen Bank“Simplu și rapid, direct din Smart Mobile”
    • Banca Transilvania“Trimiți bani către cei de acasă, plătești facturi sau pui bani deoparte rapid și ușor”
  • Commodity · 75%Table stakesHero
    Full banking in one mobile app anytime
    • “Administrezi cardul, ratele și plățile rapid, direct din aplicația CEC app”
    • “Cu aplicația de Mobile Banking de la CEC Bank, ai banca în buzunar și avantaje exclusive”

    You say this 2 different ways.

    ING Home'Bank, BCR and Raiffeisen Bank make the same claim (75% of the set). It cannot set you apart, so it should not carry the hero.

    They say
    • ING Home'Bank“O singură aplicație, multiple funcționalități”
    • BCR“Cu George faci banking de unde vrei tu”
    • Raiffeisen Bank“Smart Mobile, aplicație adaptată nevoilor sale, care-l ține conectat la banii lui 24/7”
  • Commodity · 75%Table stakesHero
    Predictable fixed-rate lending terms
    • “Creditul de Nevoi Personale cu dobândă fixă îți oferă stabilitate și control”
    • “Creditul Ipotecar de la CEC Bank îți oferă o dobândă fixă avantajoasă în primii 3 ani”

    You say this 2 different ways.

    A buyer comparing tabs sees this on BCR, Raiffeisen Bank and Banca Transilvania too (75% of the set). Yours earns nothing by repeating it up top; it can live lower down.

    They say
    • BCR“Casa Mea Natura: 4,79% dobândă fixă în primii 3 ani, ulterior variabilă IRCC+2,1%”
    • Raiffeisen Bank“Rată fixă pe toată perioada creditului”
    • Banca Transilvania“Dobândă fixă pe toată perioada”
  • Commodity · 75%Table stakesHero
    Puts customers in control of their finances
    • “ai nevoie de soluții care îți dau control”

    BCR, Raiffeisen Bank and Banca Transilvania make the same claim (75% of the set). It cannot set you apart, so it should not carry the hero. Nobody else uses your exact words, but everyone is on the ground. Nobody else makes this exact claim, but everyone occupies the territory — lead with the specific, not the generic.

    They say
    • BCR“La BCR, credem că încrederea este fundamentul fiecărei relații de succes”
    • Raiffeisen Bank“Oameni cu energie pozitivă, curaj și dorința de a face lucrurile mai simple, mai rapide și mai bune”
    • Banca Transilvania“Bankingul este despre oameni și încredere”
  • Commodity · 100%Table stakesSection
    No or waived fees on accounts and products
    • “Primești Pachetul Bun venit - cu card de debit, Mobile/Internet/Phone Banking și cont curent - gratuit, pe durata creditului”

    ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania got here first as far as a buyer can tell. Keep the fact for readers who need it; move the position to a claim only your page can make. Nobody else uses your exact words, but everyone is on the ground. Nobody else makes this exact claim, but everyone occupies the territory — lead with the specific, not the generic.

    They say
    • ING Home'Bank“Cursul afișat este cursul personalizat oferit clienților ING Bank.”
    • BCR“Contul George 3.0 - Zero comisioane pentru administrare”
    • Raiffeisen Bank“Cont în forinți gratuit”
    • Banca Transilvania“ZERO comision de analiză dosar”
  • Commodity · 100%Table stakesSection
    Open accounts and products fully online, no branch
    • “Acum poți obține cardul de credit 100% online”
    • “Îți poți deschide contul bancar 100% online, de oriunde, chiar și din străinătate”
    • “Ai creditul în câteva minute, cu ZERO drumuri la bancă”

    You say this 3 different ways.

    Shared with ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania. True of you, true of them — which is exactly why it will not decide anything.

    They say
    • ING Home'Bank“Fă-ți un cont 100% online și primește cardul virtual pe loc.”
    • BCR“Fă-ți cont George 3.0, 100% online și cu ZERO comisioane”
    • Raiffeisen Bank“deschizi cont online în 8 minute”
    • Banca Transilvania“Îți deschizi un cont online, direct din BT Pay și îl folosești pe loc, oriunde te-ai afla”
  • Contested · 50%SharpenHero
    Account is a safe place for your money
    • “Datele tale și tranzacțiile sunt protejate prin mecanisme antifraudă și sisteme avansate de securitate”

    Raiffeisen Bank and Banca Transilvania are on this territory too (50% of the set). It narrows the field without winning it — make it specific enough that it cannot be said of them.

    They say
    • Raiffeisen Bank“Cont curent în lei, un loc sigur unde poate primi bani”
    • Banca Transilvania“Siguranța banilor și confidențialitatea datelor sunt esențiale pentru noi”
  • Commodity · 75%KeepSection
    Customise product terms to your preference
    • “Nevoile noastre sunt diferite. De aceea, am dezvoltat pachetele de cont bancar cu servicii incluse - de la mic la mare”

    ING Home'Bank, BCR and Banca Transilvania say what they are and who they are for, as every page in a category must. Keep it — it is orientation, not differentiation.

    They say
    • ING Home'Bank“Liber să vezi ce pachet ți se potrivește - Alege-l pe al tău”
    • BCR“Ai parte de cele mai mari reduceri și beneficii dacă ești nivel Max sau Max Invest”
    • Banca Transilvania“Flexibilitatea să alegi tipul de dobândă și valută”
  • Contested · 25%KeepHero
    Home loan and property purchase products
    • “Descoperă proprietățile CEC Bank disponibile pentru vânzare”

    Banca Transilvania say what they are and who they are for, as every page in a category must. Keep it — it is orientation, not differentiation. Nobody else uses your exact words, but everyone is on the ground. Nobody else makes this exact claim, but everyone occupies the territory — lead with the specific, not the generic.

    They say
    • Banca Transilvania“Credit pentru locuințe acasă, în România”
  • Contested · 25%SharpenSection
    Flexible repayment and installment options
    • “Ai până la 24 de rate fără dobândă la orice comerciant din lume”

    Shared with Raiffeisen Bank. Sharpen it to the thing only you do here, or it reads as a claim any of you could make.

    They say
    • Raiffeisen Bank“Ai până la 9 rate fără dobândă, oriunde în lume”
04

Claim-by-claim evidence

Every claim on your page (29)
What the columns mean
Claim
The grouped claim, then your exact line beneath it.
Type
What kind of claim it is: category, segment, outcome, capability, quality or proof.
Placement
Where it sits on your page: hero, section or body copy. Hero claims weigh most in the index.
Same claim
Share of the competitors making this exact claim. Drives ownership and ownable share.
Same territory
Share of the competitors with any claim in the same buyer-facing territory. This is what the index is scored on.
Sayability
Whether a competitor could truthfully make the same claim: anyone could, copyable with effort, or hard to copy.
Relevant
Whether buyers decide on this. A unique claim nobody buys on is not ownable.
Ownership
Commodity: 60% or more of the set says it. Contested: 20–59%. Unique: under 20%, owned when it is also hard to copy.

Tap a column to sort by it; tap again to reverse. Sorted by Same claim, highest first.

  • Advantageous / low loan interest rate
    “cu o dobândă avantajoasă, pentru planurile tale de azi”
    qualityHerosame claim 75%same territory 100%Anyone could say it
    Commodity
    Also on ING Home'Bank, BCR, Raiffeisen Bank
  • Mobile app puts full banking access in your pocket anytime
    “Cu aplicația de Mobile Banking de la CEC Bank, ai banca în buzunar și avantaje exclusive”
    outcomeSectionsame claim 75%same territory 75%Anyone could say it
    Commodity
    Also on ING Home'Bank, BCR, Raiffeisen Bank
  • Open an account 100% online, no branch visit
    “Îți poți deschide contul bancar 100% online, de oriunde, chiar și din străinătate”
    capabilitySectionsame claim 75%same territory 100%Anyone could say it
    Commodity
    Also on ING Home'Bank, BCR, Banca Transilvania
  • Account opening takes about 10 minutes
    “Oriunde ai fi, în doar 10 minute, ai contul bancar online deschis”
    outcomeBodysame claim 75%same territory 100%Anyone could say it
    Commodity
    Also on BCR, Raiffeisen Bank, Banca Transilvania
  • High promotional deposit interest rate
    “Ai dobânzi de până la 5,25%/an pentru depozitele pe 1 an constituite online”
    qualityBodysame claim 75%same territory 100%Anyone could say it
    Commodity
    Also on BCR, Raiffeisen Bank, Banca Transilvania
  • Fixed-rate personal loan gives stability and predictability
    “Creditul de Nevoi Personale cu dobândă fixă îți oferă stabilitate și control”
    outcomeHerosame claim 50%same territory 75%Anyone could say it
    Contested
    Also on Raiffeisen Bank, Banca Transilvania
  • Mortgage with fixed rate for first 3-5 years
    “Creditul Ipotecar de la CEC Bank îți oferă o dobândă fixă avantajoasă în primii 3 ani”
    outcomeHerosame claim 50%same territory 75%Anyone could say it
    Contested
    Also on BCR, Raiffeisen Bank
  • Personal loan fully online in minutes without branch visits
    “Ai creditul în câteva minute, cu ZERO drumuri la bancă”
    outcomeSectionsame claim 50%same territory 100%Anyone could say it
    Contested
    Also on BCR, Raiffeisen Bank
  • Tiered account packages to match different needs
    “Nevoile noastre sunt diferite. De aceea, am dezvoltat pachetele de cont bancar cu servicii incluse - de la mic la mare”
    segmentSectionsame claim 50%same territory 75%Anyone could say it
    Contested
    Also on ING Home'Bank, BCR
  • Better FX rate and lower/zero FX fees
    “Ai super curs valutar, mai avantajos decât la ghișee și reducere 70% la comisioane”
    qualityBodysame claim 50%same territory 100%Anyone could say it
    Contested
    Also on ING Home'Bank, BCR
  • Large maximum personal loan amount available
    “CEC Bank oferă credite de nevoi personale de până la 220.000 de lei cu dobândă de la 6,99%”
    outcomeBodysame claim 50%same territory 75%Copyable with effort
    Contested
    Also on BCR, Raiffeisen Bank
  • Zero monthly account and card fees
    “Comisionul lunar este ZERO dacă ai încasări mai mari sau egale cu 2.000 lei”
    outcomeBodysame claim 50%same territory 100%Anyone could say it
    Contested
    Also on BCR, Banca Transilvania
  • Data and transactions protected by advanced anti-fraud systems
    “Datele tale și tranzacțiile sunt protejate prin mecanisme antifraudă și sisteme avansate de securitate”
    qualityHerosame claim 25%same territory 50%Anyone could say it
    Contested
    Also on Banca Transilvania
  • Instant RoPay payments from your account
    “RoPay – plăți și incasări instant direct din cont, simplu și rapid, folosind telefonul mobil”
    capabilityHerosame claim 25%same territory 75%Copyable with effort
    Contested
    Also on ING Home'Bank
  • Credit card obtainable 100% online
    “Acum poți obține cardul de credit 100% online”
    capabilitySectionsame claim 25%same territory 100%Anyone could say it
    Contested
    Also on Raiffeisen Bank
  • Interest-free installments at any merchant worldwide
    “Ai până la 24 de rate fără dobândă la orice comerciant din lume”
    outcomeSectionsame claim 25%same territory 25%Anyone could say it
    Contested
    Also on Raiffeisen Bank
  • Online onboarding via video/selfie ID verification
    “E simplu să-l obții: completezi datele din formular, faci o poză cărții de identitate și un selfie, apoi un scurt apel video”
    qualityBodysame claim 25%same territory 100%Anyone could say itnot a buying criterion
    Contested
    Also on BCR
  • Physical card delivered by mail/courier
    “Primești cardul prin poștă, la adresa indicată”
    capabilityBodysame claim 25%same territory 25%Anyone could say itnot a buying criterion
    Contested
    Also on ING Home'Bank
  • Bank properties listed for sale
    “Descoperă proprietățile CEC Bank disponibile pentru vânzare”
    categoryHerosame claim 0%same territory 25%Copyable with effortnot a buying criterion
    Unique and owned
  • Manage cards, installments and payments in the app
    “Administrezi cardul, ratele și plățile rapid, direct din aplicația CEC app”
    capabilityHerosame claim 0%same territory 75%Anyone could say it
    Unique for now
  • Product gives you control over your finances
    “ai nevoie de soluții care îți dau control”
    outcomeHerosame claim 0%same territory 75%Anyone could say it
    Unique for now
  • Loan product range covers every need
    “Avem creditul potrivit oricare ar fi nevoile tale”
    segmentSectionsame claim 0%same territory 0%Anyone could say it
    Unique for now
  • Welcome package bundles account, card and banking channels free
    “Primești Pachetul Bun venit - cu card de debit, Mobile/Internet/Phone Banking și cont curent - gratuit, pe durata creditului”
    outcomeSectionsame claim 0%same territory 100%Anyone could say it
    Unique for now
  • Bank finances a major strategic infrastructure project
    “CEC Bank și Exim Banca Românească finanțează dezvoltarea proiectului strategic CET Titan”
    proofBodysame claim 0%same territory 50%Copyable with effortnot a buying criterion
    Unique and owned
  • Cash can be deposited onto any bank's card
    “CEC Bank lansează serviciul Cash2Card: numerarul poate fi depus direct pe cardurile Visa și Mastercard emise de orice bancă din România”
    capabilityBodysame claim 0%same territory 0%Copyable with effortnot a buying criterion
    Unique and owned
  • Choice of credit card tiers
    “Alegi cardul de credit dorit - Visa Affinity sau Visa Platinum”
    capabilityBodysame claim 0%same territory 75%Anyone could say itnot a buying criterion
    Unique for now
  • Long grace period and low minimum payment on credit card
    “Perioadă de grație de până la 59 de zile și sumă minimă de plată 2,5%”
    capabilityBodysame claim 0%same territory 25%Anyone could say itnot a buying criterion
    Unique for now
  • Lower rate if you pledge property as collateral
    “Dacă aduci o proprietate în garanție, ai acces la dobânzi mai mici”
    outcomeBodysame claim 0%same territory 100%Anyone could say itnot a buying criterion
    Unique for now
  • View and pay from other banks' accounts in our app
    “Poți vedea conturile de la alte bănci în aplicația Mobile Banking a CEC Bank și, în plus poți iniția și plăți”
    capabilityBodysame claim 0%same territory 0%Copyable with effort
    Unique and owned
05

How this was calculated

Sameness measures how much your claims overlap with the sites compared. It does not measure message quality or whether buyers prefer you.

AI-analyzed: an AI read each page on its own and grouped the claims that say the same thing. No score here was written by a model — every number is computed from those groupings in our own code, with the weights below.

How the score is built
The six category scores, their weights, and what a high score in each one means
CategoryWeightYoursWhat a high score means
Messaging
Category framing, who it is for, and the outcome promised
30%65The most expensive kind of sameness. A buyer cannot tell what job you do that the others do not.
Claims
Attribute and benefit claims — speed, ease, quality, ROI
30%81Every shared claim is a line already read on another tab. Cut the ones nobody owns and spend the space on something they cannot.
Features
Capabilities and functions the page lists
15%70Expected in a mature category, and the least alarming of the six. Feature parity is normal; leading with it is the mistake.
Proof
The kinds of evidence offered: customer logos, numbers, testimonials, case studies, badges
10%21Same kinds of proof as everyone means the proof stops working as proof. It is scored on the kind of evidence, not on which customers are named.
Structure
Section order, navigation, CTA language and placement
10%0The generic SaaS template — hero, logos, three-feature grid, testimonial, CTA. Familiar is not the same as memorable.
Visual
Palette family, imagery style, layout patterns
5%66Weighted lowest on purpose: buyers rarely decide on this. Worth knowing, rarely worth fixing first.

Each site was read on its own first, with no knowledge of the others, so your page gets no benefit of the doubt a competitor’s does not. A category nothing could be measured for drops out and the rest are re-weighted, rather than counted as zero.

What we compared (5 pages read)
Your page
CEC Bank
cec.ro
Competitor
ING Home'Bank
ing.ro
Competitor
BCR
bcr.ro
Competitor
Raiffeisen Bank
raiffeisen.ro
Competitor
Banca Transilvania
diaspora.bancatransilvania.ro
What it cannot tell you

The index can find where two pages converge. It cannot say whether a buyer would notice, or which of your reasons to buy actually land. A single check also moves several points between runs, so read the band and the ranking, not the last digit.

Your highest-impact changes

  1. 1
    Table stakesYour hero copy says “cu o dobândă avantajoasă, pentru planurile tale de azi”.

    ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania all say it too. Buyers may still need it, but shared ground cannot carry your hero — move it lower and give that space to something only you can say.

  2. 2
    Table stakesYour hero copy says “Creditul de Nevoi Personale cu dobândă fixă îți oferă stabilitate și control”.

    Keep the fact, lose the position: bCR, Raiffeisen Bank and Banca Transilvania say it too (75% of the set), and your hero is spending its first impression on the same territory as theirs.

  3. 3
    Table stakesYour hero copy says “RoPay – plăți și incasări instant direct din cont, simplu și rapid, folosind telefonul mobil”.

    This is the set's common ground — ING Home'Bank, Raiffeisen Bank and Banca Transilvania say it too (75% of the set). It will not set you apart wherever it sits, and in the hero it costs you the one place a distinctive claim would be read.

  4. 4
    Table stakesYour hero copy says “Administrezi cardul, ratele și plățile rapid, direct din aplicația CEC app”.

    A buyer with three tabs open reads a version of this on every one of them. Say it further down for the readers who need it; the hero should carry a claim they will only find here.

  5. 5
    Table stakesYour hero copy says “Creditul Ipotecar de la CEC Bank îți oferă o dobândă fixă avantajoasă în primii 3 ani”.

    True of you and true of them: BCR, Raiffeisen Bank and Banca Transilvania say it too (75% of the set). That is why it decides nothing, and why the hero is the wrong place to spend it.

  6. 6
    Table stakesYour hero copy says “ai nevoie de soluții care îți dau control”.

    In the hero: BCR, Raiffeisen Bank and Banca Transilvania say it too (75% of the set). Buyers may still need it, but shared ground cannot carry your hero — move it lower and give that space to something only you can say.

  7. 7
    Table stakesYour section copy says “Îți poți deschide contul bancar 100% online, de oriunde, chiar și din străinătate”.

    In the section: True of you and true of them: ING Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania all say it too. That is why it decides nothing, and why the section is the wrong place to spend it.

  8. 8
    Table stakesYour section copy says “Ai creditul în câteva minute, cu ZERO drumuri la bancă”.

    In the section: Keep the fact, lose the position: iNG Home'Bank, BCR, Raiffeisen Bank and Banca Transilvania all say it too, and your section is spending its first impression on the same territory as theirs.

  9. 9
    Surface“Poți vedea conturile de la alte bănci în aplicația Mobile Banking a CEC Bank și, în plus poți iniția și plăți” is yours alone, and buyers weigh it.

    Nobody in the set says this. It sits in body copy, where few readers reach it — worth testing higher up the page; only buyers can tell you whether it lands.

The only way to know if it matters.

This report can tell you where your messaging overlaps. It cannot tell you whether a buyer would care, or which of your reasons to buy actually land. Put the page in front of real B2B buyers in your target market and ask them.

Test it with real buyers
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